in doing that, we should bare in mind, richard lambert who carried out an investigation for the opposite who i respect great deal. he said this, the scandal means the required changes have been tougher. going back to square one, would be a serious mistake. the economy cannot recover and the absence of a stable banking system. nothing can be more urging than that. we must get to the truth but we should listen to these expert opinions as well. >> mr. speaker, can i join the prime minster in paying tribute. they died in most tragic of circumstances. our hearts go out to their family and friends. i also join the prime minster in remark he made. mr.speaker, the banking scandal reveal teaching to small businesses. it comes other scandals in the banking system and continuing multimillion bonus merry-go-round. >> first of all, let me say on the substance of the issue, there is no disagreement between us. this banking scandal is appalling. it is outrageous that homeowners may have paid higher mortgage rates and small businesses may have paid higher interest rate because of illegal activity in the